I've never seen an entry on my statement. It's factored in. In fact the guy at the bank showed me the math; rate of exchange X USD on each date - always a 100 Baht difference. I would see what the 15 Baht is for?
Bangkok Bank charges a 100 Baht per incoming wire-transfer fee. I get 2 payments on the 3rd of the month from SSA = 200 Baht. Been to the bank asking about it and the answer = everybody pays a 100 Baht incoming wire transfer fee. There is no way around it.
After you've been married for 2-3 years, then she can try and apply. Does she own real property? Have 1-2 million Baht in savings, etc.? She will need to bring these kinds of documents with her to the interview. They want to see good reason to return.
you don't know what you are talking about. I've lived here since 2007 and have seen a few people who have not been able to pay their bill upon discharge from the hospital (not Covid related). In EVERY case, the police were summoned and made sure the bill was paid one way or another.